The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$32,119
−HK$2,015/mo
▼ 0.25% · 3.875%
HK$33,119
−HK$1,015/mo
Today · 4.125%
HK$34,134
baseline
▲ 0.50% · 4.625%
HK$36,211
+HK$2,077/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$68,268/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,733
−HK$1,930/mo
▼ 0.25% · 3.875%
HK$36,691
−HK$972/mo
Today · 4.125%
HK$37,663
baseline
▲ 0.50% · 4.625%
HK$39,648
+HK$1,985/mo
Deposit HK$7.04M · loan HK$7.04M · min. income ≈ HK$75,326/mo (50% DSR)
Upfront cash ≈ HK$7.57M (deposit + AVD stamp duty HK$528,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,543
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$39,742
−HK$1,218/mo
Today · 4.125%
HK$40,960
baseline
▲ 0.50% · 4.625%
HK$43,453
+HK$2,493/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$81,920/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,879
−HK$2,317/mo
▼ 0.25% · 3.875%
HK$44,029
−HK$1,167/mo
Today · 4.125%
HK$45,196
baseline
▲ 0.50% · 4.625%
HK$47,578
+HK$2,382/mo
Deposit HK$5.63M · loan HK$8.45M · min. income ≈ HK$90,392/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$528,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,967
−HK$2,820/mo
▼ 0.25% · 3.875%
HK$46,366
−HK$1,421/mo
Today · 4.125%
HK$47,787
baseline
▲ 0.50% · 4.625%
HK$50,695
+HK$2,908/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$95,574/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,026
−HK$2,702/mo
▼ 0.25% · 3.875%
HK$51,367
−HK$1,361/mo
Today · 4.125%
HK$52,728
baseline
▲ 0.50% · 4.625%
HK$55,508
+HK$2,780/mo
Deposit HK$4.23M · loan HK$9.86M · min. income ≈ HK$105,456/mo (50% DSR)
Upfront cash ≈ HK$4.75M (deposit + AVD stamp duty HK$528,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,815
−HK$3,626/mo
▼ 0.25% · 3.875%
HK$59,613
−HK$1,828/mo
Today · 4.125%
HK$61,441
baseline
▲ 0.50% · 4.625%
HK$65,179
+HK$3,738/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$122,882/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,319
−HK$3,475/mo
▼ 0.25% · 3.875%
HK$66,044
−HK$1,750/mo
Today · 4.125%
HK$67,794
baseline
▲ 0.50% · 4.625%
HK$71,367
+HK$3,573/mo
Deposit HK$1.41M · loan HK$12.68M · min. income ≈ HK$135,588/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$528,222 · Scale 2, in force from 26 Feb 2026)